Huntsville, AL · Charter 7544
NCUA · 44 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.28% | 1.22% | 0.84% | 1.39% | 1.41% | 1.25% | 0.91% | 1.38% | -2 bps | |
| Return on Equity | 9.87% | 9.30% | 6.56% | 10.55% | 10.47% | 9.28% | 6.72% | 9.93% | -62 bps | |
| Net Interest Margin | 3.47% | 3.44% | 3.42% | 3.48% | 3.53% | 3.52% | 3.61% | 3.66% | +17 bps | |
| Efficiency Ratio | 66.64% | 68.36% | 69.30% | 65.48% | 65.11% | 66.50% | 70.30% | 67.87% | +239 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.74% | 4.54% | 6.93% | 7.41% | 5.71% | 6.62% | 4.84% | 4.40% | -302 bps | |
| Loan Growth (YoY) | 0.23% | -1.50% | -2.26% | -2.31% | -2.49% | -1.66% | -0.75% | -0.01% | +230 bps | |
| Share Growth (YoY) | 3.91% | 5.62% | 6.04% | 5.92% | 4.31% | 4.22% | 3.02% | 2.73% | -319 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.89% | 1.44% | 1.07% | 0.84% | 0.91% | 0.87% | 0.66% | 0.70% | -14 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.92% | 13.09% | 12.85% | 13.21% | 13.50% | 13.49% | 13.47% | 13.86% | +65 bps | |
| Net Worth / Assets | 12.92% | 13.09% | 12.85% | 13.21% | 13.50% | 13.49% | 13.47% | 13.86% | +65 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 54.22% | 53.34% | 50.80% | 50.68% | 50.68% | 50.33% | 48.94% | 49.33% | -135 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |